Loans and credit
Whether you're getting a loan for the first time or you want to learn how to manage your credit more effectively, here's the place to learn more about how credit used wisely, can help you.
Relationships and your credit score
From becoming a financial associate to dealing with money matters after a divorce, here's how your relationships could affect your credit score.
- Financial association explained
- What is a guarantor and how do they work?
- Divorce and your credit score
- Death and credit reports
- Joint Liability - Everything You Need to Know
- Newlyweds, financial planning and credit
Smart borrowing and understanding loans
Thinking of getting a loan? Careful borrowing can have a beneficial effect on your credit score, so here's how to make the most of it.
- Can you pay off loans early or late – or take a payment holiday?
- Secured Vs Unsecured Loans
- What to do if you've missed payments
- Current interest rates for savers and borrowers
- Interest Rate Types
Guide to using credit cards
Credit cards are an easy, fast way to borrow money and they can come with a range of benefits. Here's what you need to know if you're thinking of getting your first credit card.
- What are 0% interest credit cards?
- How credit cards work – how they may affect your credit rating
- Balance transfers explained
- Credit cards and minimum repayments
- What is a credit blacklist?
- Different types of credit card
- What to consider when applying for credit cards
- 7 types of credit provider
Understanding credit scores
From getting a mortgage to applying for a credit card, your credit score affects nearly all of your financial life. Read more about credit scores and factors which may influence it.
- What does my credit score say about me?
- Moving to the UK and your credit score
- Who can see your credit report?
- Understanding credit score ranges
- How to maintain a good credit score
- How can I improve my credit score?
- Can you achieve the highest credit score?
- Which factors affect credit scores?
Issues with credit, and dealing with rejections
If you've been refused credit, it can feel disheartening. However, there's plenty you can do to boost your credit score and improve your chances of getting credit in the future.
- Getting credit cards with bad credit history
- Why have I been refused a credit card?
- Getting a mobile phone contract with bad credit
What exactly is credit and how can you make borrowing work for you? Here's a guide to borrowing basics and the kind of behaviours which lenders will potentially be watching out for.
- What is a credit rating?
- What types of credit can you get?
- Credit agreements – the basics
- What happens to credit history when moving abroad
- Explaining compound interest
- Getting credit with no credit history
- Credit Myths - The truth about Credit
- Soft credit searches explained
- Your Credit Limits: Do’s & Don’ts
- What is a credit blacklist?
- Infographic: Back to basics – how do credit reports and scores work?
Using credit every day
Curious about credit and the ways in which it can work for you? Here's a quick and easy guide to everyday use, from getting a new car to a new lease on a flat.
- Credit: Why do People Use it?
- Should you lease or buy your next car?
- Why do people use vehicle refinancing?
- How Credit Scores Affect Car Finance
- Staying on the electoral register when moving
- The Electoral Register and How It Influences Credit Scores
- What is a credit union?
- Credit checks for renting
- Credit Hygiene
You'll never know when you need credit so get credit readyStart planning your future with Equifax
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